Side-by-side · Q2 2026 data
The First State Bank vs Security Bank and Trust Company
Metric by metric
| Measure | The First State Bank | Security Bank and Trust Company |
|---|---|---|
| TellerScore | 58 (stronger) | 56 |
| Capital cushion | 49 (stronger) | 30 |
| Loan quality | 29 | 53 (stronger) |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 67 | 67 |
| Problem-loan coverage | 63 | 70 (stronger) |
| Peer percentile | 16th | 13th |
| Total assets | $160.0M | $166.9M |
| Deposits / shares | $139.3M | $145.4M |
| Capital ratio | 9.93% (stronger) | 8.04% |
| Problem loans | 2.13% | 1.41% (stronger) |
| Net charge-offs | -0.05% (stronger) | -0.00% |
| Return on assets | 2.21% (stronger) | 1.53% |
| Loans ÷ deposits | 92.8% (stronger) | 93.1% |
| Uninsured deposits | 14.3% | 10.5% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank has the higher TellerScore (58 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 5 and Security Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.